Fixed Deposit Top-up

A guide to viewing fixed deposit top-up records and processing additional deposits into existing fixed deposit accounts in Udara360.

Fixed Deposit Top-up enables authorized users to add funds to an existing fixed deposit account without creating a new fixed deposit. When a top-up is processed, the additional amount is debited from the customer's linked current or savings account and added to the fixed deposit balance, increasing the total investment amount. The system automatically calculates the new fixed deposit amount after the top-up is applied.

This feature is primarily used by branch staff and tellers to process customer requests to increase their fixed deposit investment.

To access Fixed Deposit Top-up, navigate to Postings in the left sidebar, expand FD Liquidation & Top-up, and select Fixed Deposit Top-up.

Prerequisites

Before processing a fixed deposit top-up, ensure the following:

• Your user role includes permission to access Fixed Deposit Top-up under Postings in Udara360

• The customer has formally requested the top-up and the request has been verified

• The customer's linked current or savings account is Active and has sufficient available balance to cover the top-up amount, the top-up funds are debited directly from the linked account

• The linked account does not have a PND (Post No Debit) restriction; a PND status prevents funds from being debited, which will block the top-up from being processed

• The instrument number or teller reference is available for entry into the posting form

Viewing Fixed Deposit Top-up Records

Upon accessing the Fixed Deposit Top-up page, a table displays all previously processed fixed deposit top-up transactions. Each record shows the financial date, transaction date, account name, FD account number, branch, rebooked FD amount, posting reference number, instrument number, narration, and the user who initiated the transaction.

Use the Filter button at the top right to narrow results by specific criteria, or click Reset Filter to clear any applied filters. Use the Show dropdown at the top left to adjust the number of entries displayed per page.

Processing a Fixed Deposit Top-up

1. Open the Account Search, click the Top-Up FD button at the top left of the Fixed Deposit Top-up page. The system will navigate to the account search page.

2. Search for the Customer's Fixed Deposit Account and enter at least one of the following details to locate the fixed deposit account:

• Account Number: the unique FD account identifier

• Account Name: the name of the account holder

• Reference Number: the reference number associated with the account

Click the Search button to retrieve matching accounts. A Customer Details popup will appear displaying the Customer ID, Name, and Account Number for each matching result.

Note: A customer may hold multiple fixed deposit accounts. Confirm the correct FD account number with the customer before selecting to ensure the top-up is applied to the right account.

1. Select the Fixed Deposit Account, click on the correct account from the Customer Details results. The system will load the full Fixed Deposit Top-up form showing the FD Account Summary, Linked Account Summary, and Top-Up Details.

2. Review the FD Account Summary section displays the key details of the selected fixed deposit account:

• Account Name: the name of the fixed deposit account holder

• FD Account Number: the unique identifier of the fixed deposit account

• Product Name: the fixed deposit product type

• Branch: the branch where the fixed deposit is domiciled

• Account Status: the current status of the fixed deposit account

• FD Ledger Balance: the current total balance of the fixed deposit account

Review these details carefully to confirm the correct fixed deposit account has been selected before proceeding.

1. Review the Linked Account Summary section displays the details of the customer's linked current or savings account, the account from which the top-up amount will be debited:

• Account Name and Product Name

• Available Balance: the balance currently available in the linked account

• Branch and Account Status

Note: Confirm that the Available Balance in the linked account is sufficient to cover the top-up amount before proceeding.

Warning: If the linked account shows an Account Status of PND (Post No Debit), the top-up cannot be processed, a PND restriction prevents any debit from the account. Do not proceed until the restriction has been resolved by the appropriate authority in your institution.

1. Complete the Top-Up Details section and fill in the following fields:

• Top-up Amount: enter the amount to be added to the fixed deposit. This amount will be debited from the customer's linked account

• New Fixed Deposit Amount: this field is automatically calculated by the system. It reflects the updated fixed deposit balance after the top-up amount is added to the current FD Ledger Balance. This field is read-only and cannot be edited manually

• Instrument Number: enter the instrument number associated with the top-up transaction, such as the teller stamp number or transaction reference

Note: The New Fixed Deposit Amount updates automatically as you enter the Top-up Amount, use this field to confirm the expected post-top-up balance before submitting.

1. Submit the Top-Up once all required fields are completed and all details have been verified, then click the Post Top-up button at the bottom of the form to process the fixed deposit top-up. The top-up amount will be debited from the customer's linked account and added to the fixed deposit balance immediately. A posting reference will be generated for the transaction record.

To cancel and return to the list page without processing, click the ← List page button at the top left. To search for a different account, click the Search button at the top right.

Best Practices

• Always verify the Available Balance in the Linked Account Summary before entering the top-up amount as processing a top-up against an account with insufficient funds will result in a failed transaction

• Check the linked account's Account Status carefully before proceeding, a PND restriction is not always immediately obvious and must be resolved before the top-up can be processed

• Confirm the top-up amount with the customer and cross-check it against the New Fixed Deposit Amount displayed before submitting, this gives the customer a clear picture of their updated investment balance

• Retain the posting reference generated after a successful top-up as it serves as the primary confirmation of the transaction for both the institution and the customer

Troubleshooting

Issue	Likely Cause	Resolution
Account not found on the search page	Incorrect account number, name, or reference number entered	Verify the customer's FD account details and retry, searching by Account Number gives the most precise result
Multiple accounts returned for the same customer	The customer holds more than one fixed deposit account	Confirm the correct FD account number with the customer before selecting
Linked account showing PND status	The linked account has a Post No Debit restriction applied	Do not proceed, contact the appropriate authority in your institution to resolve the PND restriction before processing the top-up
New Fixed Deposit Amount not updating	The Top-up Amount field may be empty or contain an invalid value	Ensure a valid numeric amount has been entered in the Top-up Amount field
Post Top-up button not responding	One or more required fields are incomplete	Ensure the Top-up Amount and Instrument Number fields are both completed before submitting
Top-up posted for the wrong amount	Incorrect amount entered in the Top-up Amount field	Process a reversal for the incorrect transaction immediately and contact your supervisor. Do not attempt to correct it manually
Transaction not appearing in the list after processing	The top-up may be pending approval	Refresh the page and check the list, if the record is still absent contact your system administrator